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Anyone else have an opinion of the stock chimes?
Posted on 6/14/25 at 8:36 am
Posted on 6/14/25 at 8:36 am
Just got listed on the Nasdaq. I own BAC and SOFI but I’m thinking about getting a position in CHYM since it just became public and I like there nitch.
2
Posted on 6/14/25 at 8:44 am to tigerbacon
Chime targets low income markets that traditionally forgo the normal banks.
Generally these businesses do well in a solid economy collecting fees and interest on those most vulnerable. However they mostly handle small personal loans which I should think limit some of their exposure in a poor economy. I haven't looked at their financials too see how much exposure they have to the payday loan business, which is fairly risky
Generally these businesses do well in a solid economy collecting fees and interest on those most vulnerable. However they mostly handle small personal loans which I should think limit some of their exposure in a poor economy. I haven't looked at their financials too see how much exposure they have to the payday loan business, which is fairly risky
Posted on 6/14/25 at 11:48 am to tigerbacon
Their upside seems limited. Targeting the untapped market of customers seeking $500 loans strikes me as a solution looking for a problem. Not to mention the ungodly number of micro loans needed for growth.
Real financial institutions have explicitly stated the demographic isn’t worth the hassle, which is the only reason the customer base is available to Chime.
Real financial institutions have explicitly stated the demographic isn’t worth the hassle, which is the only reason the customer base is available to Chime.
Posted on 6/23/25 at 10:04 pm to lsuconnman
Forgot to say thanks. This comment made me realize it wasn’t a good buy so I didn’t dive in. Would of lost over 10% if I bought
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